The hidden 60% tax trap
Between £100,000 and £125,140, £1 of Personal Allowance is lost for every £2 of income. A pension contribution can restore it.
Finance Dad2026/27 tax yearThe £100k pension move
Earning over £100k? See what the tax trap could cost you.
A simple estimate of the pension contribution needed to bring adjusted net income to £100,000 — including tax, National Insurance and childcare support.
Built for UK parentsSimple numbers. No finance waffle.
1
Your numbers
Start with your best estimate for the full tax year.
Potentially thousands more
The estimate values England’s 30 hours over 38 weeks at £7.55 an hour, then applies Tax-Free Childcare to the remaining childcare cost.
Before you act on the number
This is an educational estimate, not financial or tax advice. It assumes employment income, standard tax bands and a gross pension contribution. It does not model student loans, benefits, dividends, Gift Aid changes, employer NI sharing, tapered or money purchase annual allowances, or pension contribution limits. Your pension scheme’s method matters.
Childcare eligibility also depends on your partner, work, child age and location. Check the official guidance before making a decision.
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